Man I feel your pain brother been there myself. I wonder why the PC shop just can't insert a known-fully working PSU rather then testing yours, it takes 10 mins max to swap out a PSU and I KNOW, if they are any good at all, they have one they use for testing. BUT I also understand how business works so I can appreciate that they must charge for everything they do.
I know this is not going to be an ideal suggestion to you, and trust me I realize that times are tough, but I would not bother spending $50 testing that PSU when you can get a sound solid quality 850watt for around $150.
Here is the one I got my son:
http://www.newegg.com/Product/Product.aspx?Item=N82E16817139011 His computer just one day started turning off while gaming, we tested the CPU and RAM then the video card in another PC but then it just became apparent the PSU was going out and the PC just wasn't getting enough juice when it needed it. NOT your same problem but just one of the ways your computer tells you it needs more power.
SQ I cannot say for sure that it's your PSU...no one can for sure without testing, BUT if you put the cash into a solid PSU your only making a wise investment, as a PC builder/gamer of 20 years one thing I always try to do is have a good power supply waiting in backup.
If you invest in a solid PSU and it doesn't cure your problem AND you made sure it's not one of your CD roms than you are down to 2 things, motherboard (RMA) or your cooler is not functioning correctly.
And as HiVis has stated at this point it looks more and more like you may have to RMA your motherboard. BUT not only will you will have a good PSU to use in the new board BUT you will have a backup JIC you need one.
ultimately SQ this is a decision your going to have to make on your own, and I wish I could know for sure that I am giving you the best advice but I can't, computer building problems are mostly cured through a process of elimination.
Best of Luck!
PS: think about this, even if that 650watt psu is not bad and seems like it's strong enough to run your Powerful system, if you use your system everyday and for gaming and plan on overclocking at all your going to beat that 650 to death. Not enough OR "just enough" power in a PC is never a good thing, but more power then you need never gets wasted.
😉
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